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Old 25 October 2012, 16:27   #21
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Insurance company's are hot on this now mister p it's called 'fronting', if the car is really owned by the youngster and the insurance company prove it cover (claim) is gone.
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100% agree...am currently trying to unravel a fatal case where everything was not as it was made out to be. The insurer has to deal with the claim from the thirdparty by law, but they (insurer) are now going after the driver personally for around 130k ( at this stage) ....

makes doing it right look cheap .......
Certainly does look cheap. My neighbour who is a fire chief bought his son a Golf VR6 ( an old one Mk4 I think) on the understanding that he ( the lad ) paid the insurance. 2500 a year. The boy's happy to pay it by working after college and, so says my chum, stops him thrashing the nuts off it, one accident and no more insurance.
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Old 25 October 2012, 16:33   #22
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By the way chalkie, as has been mentioned here by Kernow Buoy and PeterM, having your boy as the main driver and having him named as an additional driver is illegal.......but as long as he's only buzzing about every now and then you will be ok.
Still reckon a 2500 a year premium may be cheaper than bus fares though!!!
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Old 25 October 2012, 16:43   #23
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By the way chalkie, as has been mentioned here by Kernow Buoy and PeterM, having your boy as the main driver and having him named as an additional driver is illegal.......
No way would I take the risk.

If someone should die, and the ins. co. should wriggle out, someone is going to jail.

My Old Dad was a man from the Pru for 35yrs, I was taught that you don't mess with insurance companies, they have very deep pockets and sharp claws.
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Old 25 October 2012, 16:46   #24
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Incidentally though, it does help to hunt around. For the same cover on a recent purchase, we were quoted 265 by ESURE and 5600 by Lloyds.
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Old 25 October 2012, 16:51   #25
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Old Mini:
Bodywork issues: Rusty subframes, doors, sills, floorpans, rear valances, battery boxes, roof gutters.
Mechanical issues: Failed engine steady bar mounts, overheating due to poor mechanical fan, steering rack balljoints, suspension balljoints, exhaust - manifold joint, driveshaft couplings, 2nd gear synchromesh, gearbox oil seals where the driveshafts and the gearchange selector rods enter, .....

Oh and you need gynaecological skills to get to most of the bits mentioned above.
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Old 25 October 2012, 16:52   #26
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Incidentally though, it does help to hunt around. For the same cover on a recent purchase, we were quoted 265 by ESURE and 5600 by Lloyds.
For kids, it's all bad.

Until recently, girls were a lot cheaper, but EU equality rights put pay to that. There was no meeting halfway, girls and boys are now both astronomic.

If you can find five vehicles, go for an NFU fleet policy, they're gold plated.
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Old 25 October 2012, 16:52   #27
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I did hear that the way to go was classic cars, im not sure what the reg year has to be but there is a company .. well known in the classic car world that do superb rates,I read it in the Portishead international times that a 18 year old bought a Vauxhall viva early version and the ins was 350 per annum fully comp.. under 2500 miles p/a..worth doing some research on this
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Old 25 October 2012, 16:53   #28
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Old Mini:
Bodywork issues: Rusty subframes, doors, sills, floorpans, rear valances, battery boxes, roof gutters.
Mechanical issues: Failed engine steady bar mounts, overheating due to poor mechanical fan, steering rack balljoints, suspension balljoints, exhaust - manifold joint, driveshaft couplings, 2nd gear synchromesh, gearbox oil seals where the driveshafts and the gearchange selector rods enter, .....
Apart from that, they're great!
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Old 25 October 2012, 16:59   #29
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get him this.... Fiber glass body and easy to fix :-)

RELIANT SCIMITAR GTE SE5A | eBay

and a bit of a fixer upper lol
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Old 25 October 2012, 17:03   #30
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I did hear that the way to go was classic cars, im not sure what the reg year has to be but there is a company .. well known in the classic car world that do superb rates,I read it in the Portishead international times that a 18 year old bought a Vauxhall viva early version and the ins was 350 per annum fully comp.. under 2500 miles p/a..worth doing some research on this
Classic insurance is the way forward.....try Lancaster, as I've mentioned before.
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